FOREIGN CURRENCY
Travelers checks are the safest way to carry foreign currency. Generally dollar travelers checks are exchangeable everywhere. If traveling to any European Common Market countries, you may consider purchasing Euro travelers checks which can be used in any Common Market country. If traveling as a couple, ask you bank about dual signiature travelers checks. See your local bank for details.
You may also be able to use ATMs in your vacation destination.
In many countries, you'll pay a 1% or 2% surcharge for cashing traveler's checks. But you can avoid these charges by using ATMs. Find out what network your bankcard is connected to (Cirrus, Honor, etc.), then check to see if that network is available in the country you're visiting. You'll need a 4 to 6 digit PIN number (personal identification number) for security reasons. Pick a number that's familiar, but is not your birth date. And remember - while using an ATM in a foreign country is convenient, and ensures that the money is debited from your account on the same day and in American currency, some banks will change just for the privilege of using their ATM!
Also keep in mind that ATMs are much more common in Europe than they are in other parts of the world, and may not be available in Asia or African countries.
Make it a habit to always carry some cash in the currency of the country you are visiting. There are many countries, especially in Europe, that do not accept credit cards.